Taxes

• Tax Planning
  TD Ameritrade does not provide tax advice. We suggest you consult with a tax-planning professional with regard to your personal circumstances.
• Charitable Giving
  Schwab Charitable Fund is recognized as a tax‐exempt public charity as defined in Internal Revenue Code ("IRC") Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi). Schwab Charitable Fund is eligible to receive tax‐deductible charitable contributions under IRC Section 170(c). Schwab CharitableTM is the name used for the combined programs and services of Schwab Charitable Fund, an independent nonprofit organization. The Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation.
• Roth IRA
  Find the Traditional IRA, Roth IRA, or Rollover IRA that will help you pursue your retirement goals. Learn about the tax advantages of retirement accounts and discover the benefit of planning your retirement with TD Ameritrade.
• Tax Deductions
  TM donor-advised fund account may be right for you. Offered by Schwab Charitable, you can use a Schwab Charitable account to support the causes that mean the most to you today and leave a legacy of giving. With this account you may be eligible for a current-year tax deduction, as well as be more strategic about your giving decisions. To learn more about charitable giving, visit the Schwab Charitable website.
• Income Tax
  A Partnership account is established by an association of two or more persons who have an established partnership agreement to carry on, as co-owners, a business for profit. The accounts are not subject to taxation. Instead, the taxes flow through to the individual partners and are reported on their personal income tax returns.

Investment

• Investment Management
  This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, please consult with a qualified tax advisor, CPA, financial planner, or investment manager.
• Mutual Funds
  With a Coverdell ESA account, you can invest in a wide variety of products including stocks, bonds, and mutual funds.
• Bonds
• Wealth Management
  TD Ameritrade has been acquired by Charles Schwab. Now you’ll get access to thinkorswim® trading platforms and robust trading education at Schwab, along with great service, a commitment to low costs, and a wide range of wealth management and investing solutions.
• Money Market Funds
  - Most total account transfers are sent via Automated Customer Account Transfer Service (ACATS) and take approximately five to eight business days upon initiation. ACATS is a regulated system through which the majority of total brokerage account transfers are submitted. Transfers coming from some smaller firms, which are not members of the National Securities Clearing Corporation (NSCC), which is responsible for regulating and governing the ACATS system, are processed as non-ACATS transfers. Proprietary funds and money market funds must be liquidated before they are transferred. Please complete the online External Account Transfer Form

Planning

• Retirement Planning
  From individual trusts and pension plans to business partnerships and sole proprietorships, specialty accounts make planning for the future easy. With these accounts, we have features designed to help you succeed.
• Annuities
  - Please send a personal check. CDs and annuities must be redeemed before transferring. When transferring a CD, you can have the CD redeemed immediately or at the maturity date. If transferring at the maturity date, you must submit your transfer request to us no later than 21 days before the maturity date. Annuities must be surrendered immediately upon transfer. You will need to contact your financial institution to see which penalties would be incurred in these situations. This type of transfer is processed as a non-ACATS transfer. Please complete the online External Account Transfer Form.
• College Funding
  A 529 college savings plan might be a great way to invest toward college, with potential tax benefits. With no income limitations and no minimum annual contribution to a 529 plan, it’s designed to meet the needs of many family budgets.
• Asset Protection
  We work hard to protect client assets. If there is unauthorized activity on your account, we’ll reimburse you for the amount lost.